Call reports 2002
WAYCROSS BANK & TRUST — 2002
What WAYCROSS BANK & TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 90,152,000 | 90,021,000 | 87,680,000 | 94,264,000 |
| Total loans | 51,423,000 | 52,204,000 | 49,061,000 | 50,699,000 |
| Allowance for loan losses | 533,000 | 534,000 | 534,000 | 507,000 |
| Securities available for sale | 19,724,000 | 20,712,000 | 22,975,000 | 23,172,000 |
| Securities held to maturity | 4,828,000 | 4,128,000 | 3,985,000 | 3,492,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,102,000 | 78,298,000 | 77,345,000 | 84,056,000 |
| Interest-bearing deposits | 68,159,000 | 68,582,000 | 67,440,000 | 72,406,000 |
| Noninterest-bearing deposits | 10,943,000 | 9,716,000 | 9,905,000 | 11,650,000 |
| Equity capital | 10,631,000 | 11,108,000 | 9,535,000 | 9,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,306,000 | 2,625,000 | 3,931,000 | 5,190,000 |
| Interest expense | 527,000 | 1,026,000 | 1,513,000 | 1,984,000 |
| Net interest income | 779,000 | 1,599,000 | 2,418,000 | 3,206,000 |
| Noninterest income | 92,000 | 176,000 | 269,000 | 365,000 |
| Noninterest expense | 483,000 | 1,005,000 | 1,520,000 | 2,031,000 |
| Provision for loan losses | 0 | 0 | 0 | 11,000 |
| Pretax income | 388,000 | 770,000 | 1,167,000 | 1,529,000 |
| Income tax | 120,000 | 241,000 | 367,000 | 481,000 |
| Net income | 268,000 | 529,000 | 800,000 | 1,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,504,000 | 10,686,000 | 8,957,000 | 8,770,000 |
| Total capital | 11,037,000 | 11,220,000 | 9,491,000 | 9,277,000 |
| Risk-weighted assets | 54,401,000 | 59,589,000 | 58,122,000 | 55,913,000 |